The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Term policies pay benefits if you die during the period covered by the policy; but they do not build cash value. Permanent life insurance policies do not expire; they are intended to protect your loved ones permanently, as long as you pay your premiums. Some types of these policies accumulate cash value.